Mutual Funds

Mutual funds are professionally managed investment vehicles that pool money from many investors and invest it in securities such as stocks, bonds, money markets. The investments in the mutual fund are managed by an investment company who assign a portfolio manager with the responsibility of overseeing the day-to-day operations of the fund.

Annuities and Retirement Income (RI)

Income annuities can provide a steady, secure source of lifelong retirement income. An annuity can play a very valuable role in helping cover basic living expenses retirees face. By using annuity income to take care of specific living costs, retirees gain the flexibility to use other retirement income and savings for discretionary, unanticipated, or long-term expenses.

Retirement Income Portfolio

Because it supports the investor’s income needs, a distribution portfolio differs significantly from an accumulation portfolio. In a distribution portfolio, annual income becomes more important than growth of capital.

Identity Theft

Identity theft is a serious crime, and according to the Federal Trade Commission (FTC), more than 20 percent of identity theft victims are senior citizens. Reduce your chances of becoming a victim by educating yourself about identity theft laws, prevention strategies and recent scams.

IRA Transfer

Individual Retirement Accounts (IRAs) are popular and effective as retirement income vehicles, allowing you to save for retirement throughout your working years. But some people may find that they don’t need IRA withdrawals for living expenses, and prefer to instead pass the IRA asset on to beneficiaries.

Inflation Risk

Inflation lowers the purchasing power of money. Even a modest level of inflation can take a significant toll on your retirement purchasing power and lifestyle over time. That’s why it’s important to take inflation into account when developing your retirement income strategy.

Pension Income

Understand your Pension Income options. If your employer provides a traditional pension or defined benefit plan, you will need to decide how to receive your pension benefits when you retire.

Life Insurance

Many people think the sole purpose of life insurance is to provide money to a beneficiary if the insured person dies. While the death benefit is the primary reason to purchase life insurance, it can also be a valuable retirement income tool.

Now that your kids have left home, it's a great time to reassess your financial goals. We can help make sure your investments are on track to meet your retirement goals. Visit us to see how to start seizing your dreams while working towards achieving a comfortable income.